This bill closes critical gaps in financial literacy education and counseling for servicemembers and veterans by addressing inconsistent delivery, curriculum, and tracking across the DoD and VA. It creates a unified, mandatory program that spans a military career-beginning at entry, reinforced through TAP, and measured through Annual Financial Fitness Checkups and a Transitional Financial & Housing Review. These touchpoints provide a handoff to the VA, which would be required to deliver continued financial services after separation. Aligned with FY2025 NDAA priorities, this legislation ensures lasting financial stability for those who serve.